Buying Insurance About More Than Money
You will see more cars on the road every year. As this number goes up, the chances of a car wreck will also go up. The difference between a little aggravation and large obstacle can be your insurance. So how can you find out what type of car insurance you need and how much to purchase? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are in legal trouble, this type of insurance can pay for your legal fees. Local laws typically mandate minimum amounts, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a collision. It pays for all insured person's reasonable medical or funeral expenses resulting from a crash. Collision: This pays for damages to your car caused by a collision. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of auto insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without enough insurance protection. Other policies, such as emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. State Farm Clermont